Bibek Sharma Gaudel
Melbourne
Summary
Dynamic finance professional with over seven years of experience in banking operations and financial services. Expert in client consultation, loan packaging, and lender coordination, which has led to the successful management of end-to-end loan processes. My skills include financial analysis, problem-solving, and relationship management. Eager to contribute to organizational growth by delivering tailored financial solutions and enhancing operational efficiency.
Overview
9
9
years of professional experience
2
2
years of post-secondary education
Work History
Broker Associate
Absolut Financial
Melbourne, Victoria
07.2024 - Current
- Consulting with clients to understand their financial goals for home purchases, refinancing, or investment properties
- Assessing income, expenses, and credit history to determine the best loan options
- Evaluating borrowing capacity for self-employed and PAYG clients using servicing calculators and coordinated with BDMs when required
- Ordering property valuations, obtained pricing, addressed lender queries, and resolved MIRs (Missing Information Requests)
- Negotiating with lenders on behalf of clients to secure the best possible terms and interest rates
- Comparing loan products from multiple lenders and recommend the most suitable financing solutions
- Conducting thorough credit and risk assessments, reviewing financial documents, bank statements, and credit files
- Preparing detailed credit submissions and recommendations, ensuring compliance with ASIC, NCCP, and lender guidelines
- Working closely with lenders, brokers, solicitors, conveyancers, and accountants to facilitate seamless process
- Assisted managing broker by providing regular updates on client data, prospecting activities and property sales.
- Prepared 3 Application in a day.
Client Service Manager
Absolut Financial
Melbourne, Victoria
06.2023 - 06.2024
- Structured loan applications with a focus on accuracy and compliance, which ensured that all documentation met necessary standards
- Submitted loan applications precisely, ensuring accuracy in documentation while adhering to bank policies, which reduced processing delays
- Liaised with lenders to expedite approvals, effectively helping clients sign contracts in a timely manner and improve their overall experience
- Maintained strong communication with banks, which expedited loan approvals and settlements, leading to quicker funding for clients
- Strengthened relationships with key business partners, enhancing collaboration and contributing to a more efficient loan process
Credit Officer
Easy Finance and Mortgage
Hornsby, New South Wales
09.2022 - 06.2023
- Evaluated clients’ financial situations to determine mortgage eligibility, which helped ensure that applicants were matched with the right loan options
- Assisted with mortgage loan applications, ensuring accuracy and compliance, which streamlined the approval process and reduced errors
- Established and maintained relationships with lenders, improving mortgage product processing, which led to quicker turnaround times for clients
- Provided exceptional customer service by addressing queries and concerns promptly, helping to enhance client satisfaction and loyalty
- Performed financial analyses to recommend mortgage solutions, which contributed to exceeding sales targets and driving business growth
Administrative Clerk
Harvey Norman
Hornsby, New South Wales
08.2022 - 06.2023
- Collaborated with internal departments to analyze and interpret financial data, which enhanced cross-departmental communication and decision-making
- Managed accounts payable and receivable, ensuring accuracy in transactions, which contributed to a smoother financial operation and timely reporting
- Delivered exceptional customer service by addressing inquiries and resolving issues, helping to maintain high customer satisfaction and foster positive relationships
- Organized and maintained office files, processed invoices, and handled incoming/outgoing communications efficiently, which streamlined office operations and improved overall productivity
Credit/Administration Officer
Machhapuchchhre Bank
Kathmandu, Nepal
11.2018 - 05.2022
- Managed operational and administrative tasks in both the office and workshop, ensuring smooth daily operations which enhanced overall efficiency
- Processed and documented home and auto loans, carefully preparing clients’ applications for loan processing, which streamlined approval times
- Conducted business reviews for senior management and supported internal audits, providing valuable insights that helped improve compliance and performance
- Led a team in developing and maintaining lending and deposit relationships, which strengthened customer loyalty and significantly increased client retention
- Handled customer grievances effectively, ensuring timely resolutions that contributed to a positive customer experience
- Prepared payroll accurately and managed cash and vault operations, thereby maintaining financial integrity and accountability
- Developed strategic business plans and implemented marketing strategies, which boosted engagement and expanded our client base
- Supported HR with contract administration, employee records, and benefits management, helping to create a more organized and efficient human resources function
- Managed approximately 30 incoming calls, emails from customers in a day.
Customer Service & Teller Operations
SBI Bank
Chitwan, Nepal
01.2016 - 10.2018
- Processed cash deposits, withdrawals, and account transactions with high accuracy, which helped maintain customer trust and operational efficiency
- Managed loan payments, fund transfers, and account openings, ensuring a smooth onboarding experience for clients and the timely processing of their requests
- Promoted financial products and crafted tailored banking solutions for clients, which increased customer satisfaction and contributed to overall sales growth
- Provided exceptional customer service by resolving issues and addressing product queries, which strengthened customer loyalty and retention
- Ensured end-of-day cash balancing and strict adherence to banking policies, helping mitigate risks and maintain financial integrity
Education
MBA - Banking and Finance
Pokhara University
Nepal 03.2025 - 04.2025
Certificate IV Finance Broking - Finance
Walker And Miller
Sydney, NSW 01.2023 - 03.2025
Skills
- Financial Analysis & Reporting
- Loan Processing & Documentation
- Customer Relationship Management
- Administrative Operations
- Compliance & Risk Management
- Property valuation
- Relationship management
- Documentation
- Teamwork
- Problem-solving abilities
- Multitasking
- Time management
- Customer service
Timeline
MBA - Banking and Finance
Pokhara University
03.2025 - 04.2025
Broker Associate
Absolut Financial
07.2024 - Current
Client Service Manager
Absolut Financial
06.2023 - 06.2024
Certificate IV Finance Broking - Finance
Walker And Miller
01.2023 - 03.2025
Credit Officer
Easy Finance and Mortgage
09.2022 - 06.2023
Administrative Clerk
Harvey Norman
08.2022 - 06.2023
Credit/Administration Officer
Machhapuchchhre Bank
11.2018 - 05.2022
Customer Service & Teller Operations
SBI Bank
01.2016 - 10.2018
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